Exhibit 99.1

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                                   AS ADDED BY
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     In  connection  with  the  Quarterly  Report  of FFLC  Bancorp,  Inc.  (the
"Company")  on Form 10-Q for the period  ended  March 31, 2003 as filed with the
Securities  and  Exchange  Commission  (the  "Report"),  I,  Stephen  T.  Kurtz,
President and Chief Executive  Officer of the Company,  certify,  pursuant to 18
U.S.C.ss. 1350, as added by ss. 906 of the Sarbanes-Oxley Act of 2002, that:

1.   The Report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

2.   To my knowledge,  the information  contained in the Report fairly presents,
     in all material respects, the financial condition and results of operations
     of the Company as of and for the period covered by the Report.









Date:  April 23, 2003                      By: /s/ Stephen T. Kurtz
      ----------------                        ----------------------------------
                                              Stephen T. Kurtz, President
                                              and Chief Executive Officer

A signed  original of this  written  statement  required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.